Apple Pay does not work with a passcode, only with TouchID (/Face ID iPhone X).
Okay, now your other posts make sense. You have the common misconception that Apple Pay is somehow dependent on biometrics. It's not. Biometrics are simply a shortcut to the passcode.
That's why Apple Pay certainly works with a passcode if desired. In fact, if TouchID fails five times in a row (if say, your finger was wet), then Apple Pay will request the passcode instead.
You can even turn off TouchID for Apple Pay entirely and always use a passcode to pay with, an option that people with bad fingerprints (like a bricklayer) might want:
Not to mention that Apple Pay on the Apple Watch doesn't even have its own authentication method, much less TouchID. Instead, it relies on the user having entered their passcode on their phone.
If it helps, here's Apple's own Apple Pay security document, where they state that, "... you must authenticate using Touch ID or your passcode ..."
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